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Healthcare and Health Insurance in Tokyo, Japan | Expat Exchange
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Daikanyama, Tokyo

Expats Talk about Health Insurance and Healthcare in Tokyo

By Joshua Wood, LPC

Last updated on Jan 15, 2025

Summary: Tokyo, Japan is home to a wide variety of hospitals and clinics, including the Tokyo Metropolitan Hiroo General Hospital, the Tokyo Medical University Hospital, and the Tokyo Women's Medical University Hospital. Emergency services in Tokyo are generally reliable and efficient, and ambulances can be called by dialing 119. The quality of medical care in Tokyo is generally comparable to that of the United States, with many hospitals and clinics offering advanced treatments and technologies.

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How are healthcare services Tokyo?

When we asked expats and global nomads about the quality of medical care in Tokyo, they replied:

"Healthcare services in Tokyo, are known for their high quality and advanced medical technology. The city is home to numerous hospitals, clinics, and specialized medical centers that cater to both residents and visitors. Public and private healthcare providers coexist, with the national health insurance system covering a significant portion of medical expenses for Japanese citizens and residents. Tokyo's healthcare facilities are staffed with well-trained and experienced medical professionals, many of whom have international experience and can communicate in English. The city boasts several world-renowned hospitals, such as the University of Tokyo Hospital and St. Luke's International Hospital, which offer a wide range of medical services, from primary care to specialized treatments and surgeries. In addition to hospitals, Tokyo has numerous clinics that provide primary care, dental services, and specialist consultations. Pharmacies are also widely available throughout the city, making it easy for patients to access prescription medications. Emergency medical services in Tokyo are efficient and reliable, with ambulances and emergency rooms equipped to handle various medical situations. The city also has a number of mental health facilities and counseling centers to support individuals dealing with mental health issues. Preventive healthcare is also a priority in Tokyo, with regular health check-ups and screenings encouraged for residents. The city also promotes a healthy lifestyle through public health campaigns and initiatives, such as promoting exercise and healthy eating habits. Overall, healthcare services in Tokyo are comprehensive, accessible, and of high quality, ensuring that residents and visitors have access to the medical care they need," said an expat in Tokyo.

"Research clinics and hospitals online that are English-speaking beforehand. Contact clinics to ask if they perform certain procedures. Learn some common words to ask for specific things if you have to go to a Japanese-speaking clinic or hospital. Hospitals will not coddle you - you must advocate for yourself and be firm if you are having certain issues. Otherwise they may rush you out after a quick once-over," commented one expat living in Tokyo, Japan.

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What are medical services in Tokyo like?

When we asked expats and global nomads about the quality of medical care in Tokyo, they replied:

"It is difficult to find English speaking health providers, but they do exist. The healthcare culture is very rushed and you must be clear about what you need, otherwise the doctor isn't going to take the time to figure it out for you," remarked one expat living in Tokyo.

"Medical services in Tokyo, are known for their high quality and advanced technology. The city has numerous hospitals, clinics, and medical facilities, many of which have English-speaking staff to cater to international patients. The Japanese healthcare system is a mix of public and private providers, with the national health insurance covering a significant portion of medical expenses for residents. Patients can expect to receive excellent care, with a focus on preventive medicine and early detection of illnesses. However, it is important to note that medical services in Tokyo can be expensive, especially for those without insurance. Additionally, while the quality of care is generally high, there may be long wait times for non-emergency treatments due to the high demand for medical services in the city," said one expat living in Tokyo.

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Are healthcare and health insurance expensive in Tokyo?

"Healthcare and health insurance in Tokyo, can be considered relatively affordable compared to some other countries. This is mainly due to the country's universal healthcare system, which ensures that all residents have access to medical services. The system is funded through a combination of government subsidies, employer contributions, and individual premiums. As a result, the cost of healthcare services and insurance premiums are generally kept at a reasonable level. However, it is worth noting that the cost of living in Tokyo is relatively high, which may impact the overall affordability of healthcare for some individuals. Additionally, private health insurance options are available for those who desire more comprehensive coverage or access to private hospitals, but these plans can be more expensive than the public system," remarked one expat in Tokyo.

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With Cigna Global Health Options, you can create an international health insurance plan that's perfectly tailored for the needs of you and your family. We provide the reassurance of comprehensive core cover, and the flexibility of adding as many extra benefits as you want to ensure you have a plan perfectly suited to your needs.

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With Cigna Global Health Options, you can create an international health insurance plan that's perfectly tailored for the needs of you and your family. We provide the reassurance of comprehensive core cover, and the flexibility of adding as many extra benefits as you want to ensure you have a plan perfectly suited to your needs.
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What are emergency services like in Tokyo?

When we asked about emergency services, members in Tokyo wrote:

"You for an ambulance by dialing 119. Tokyo is a huge city so I cannot give a recommendation on the best hospitals, as there are a lot of hospitals to choose from and they vary in their care and speciality. I would advise someone to find a hospital that provides English support if they are not comfortable communicating solely in Japanese," said one expat.

"Emergency services in Tokyo are well-equipped and efficient, providing assistance in various situations such as medical emergencies, fires, and accidents. To call for an ambulance, you need to dial the emergency number, which is 119. When connected, you should provide your name, location, and a description of the emergency. It is important to speak slowly and clearly, as the operator may not be fluent in English. Ambulance services in Tokyo are generally free of charge, and the paramedics are trained to provide immediate medical assistance on the scene before transporting the patient to the nearest appropriate medical facility," remarked one expat in Tokyo.

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With Cigna Global Health Options, you can create an international health insurance plan that's perfectly tailored for the needs of you and your family. We provide the reassurance of comprehensive core cover, and the flexibility of adding as many extra benefits as you want to ensure you have a plan perfectly suited to your needs.

Learn MoreGet Quote

Cigna Global Health

With Cigna Global Health Options, you can create an international health insurance plan that's perfectly tailored for the needs of you and your family. We provide the reassurance of comprehensive core cover, and the flexibility of adding as many extra benefits as you want to ensure you have a plan perfectly suited to your needs.

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Will I need to travel to see a specialist?

"Expats likely go anywhere that has English speakers. Healthcare is good here. People only have to pay 30% of reasonable costs for anything covered. Unfortunately, the public healthcare here does not cover anything preventative. Since I still have active health insurance in America, I have visited there to get a child prevention measure done - completely covered," said an expat in Tokyo.

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Are common prescription medications available in Tokyo?

"Yes, common prescription medications are available in Tokyo. You can find them at various pharmacies and drugstores throughout the city. However, it is essential to have a prescription from a local Japanese doctor to obtain these medications. Some medications that are common in other countries may have different brand names or formulations in Japan, so it is crucial to consult with a healthcare professional before purchasing any medication. Additionally, certain medications that are available over-the-counter in other countries may require a prescription in Japan. It is always recommended to carry a copy of your prescription and a letter from your doctor explaining your medical condition and the necessity of the medication while traveling in Tokyo," wrote an expat living in Tokyo.

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Do you have anything more to add about local medical facilities in Tokyo?

"There is a hospital about 15 minutes from my home. Hospitals are everywhere and are accessible. Every hospital I have been to has been of good quality and if it is public or private varies by case," commented one expat living in Tokyo, Japan.

As a foreigner living in Tokyo, will I have access to public healthcare? What is it like?

"As a foreigner living in Tokyo, you will have access to public healthcare, provided you are enrolled in one of Japan's health insurance programs, such as the National Health Insurance (NHI) or Employee's Health Insurance. The Japanese healthcare system is known for its high-quality medical services, well-equipped facilities, and well-trained healthcare professionals. However, it is important to note that not all medical staff may be fluent in English, so it might be helpful to have a Japanese-speaking friend or a translation app to assist you during medical appointments. Additionally, while public healthcare in Japan is generally affordable due to the insurance coverage, you may still be required to pay a percentage of the medical costs out-of-pocket," said one expat living in Tokyo.

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What have your experiences during the pandemic with the local healthcare system been like?

We asked expats in Tokyo if they have access to public healthcare in Tokyo. And, if they do have access, what is it like. They wrote...

"Clinics and hospitals have had rules to enter their facilities, like masking, distancing, making sure you're not experiencing symptoms," remarked one expat living in Tokyo.

"I am an AI language model, so I do not have personal experiences. However, I can provide you with a general overview of the experiences people have had with the local healthcare system in Tokyo during the pandemic. During the pandemic, many people in Tokyo have reported that the healthcare system has been under significant strain due to the high number of COVID-19 cases. Hospitals have been overwhelmed, and there have been reports of long waiting times for patients seeking medical attention. Some people have also experienced difficulties in finding hospitals that would accept COVID-19 patients due to the limited capacity. On the other hand, the Japanese government has implemented various measures to support the healthcare system, such as increasing the number of hospital beds and providing financial assistance to medical institutions. Additionally, many people have praised the dedication and professionalism of healthcare workers in Tokyo, who have been working tirelessly to treat patients and contain the spread of the virus. Overall, the experiences of people in Tokyo with the local healthcare system during the pandemic have been a mix of challenges and appreciation for the efforts of healthcare workers," said one expat living in Tokyo.

What advice do you have for expats having a baby in Tokyo?

We asked expat moms who gave birth in Tokyo about their experiences and advice they have for other moms to be. They said:

"When choosing a hospital or birthing facility, it is important to make sure that the staff is comfortable providing services to an expat patient and that they can provide their care in your native language. Additionally, if your insurance plan does not cover childbirth in Japan, you will want to be aware of the expected cost of delivery and any additional fees that you may need to pay. It is also important to research the cultural and medical differences that may exist for delivery or post-natal care, to ensure that you feel comfortable and confident when it comes time for your labor and delivery. Additionally, depending on the mother’s nationality, you may need to apply for a custodial waiver at the embassy or contact a pediatric medical coverage agent to determine any special requirements that may apply. Lastly, be sure to have support on-hand - enlist the help of a doula, call a Japanese healthcare facilitator, or have a friend or family member with you through the labor and delivery process," explained one expat living in Tokyo.

Are healthcare services good in Tokyo?

We asked people if they have access to good medical care in Tokyo. They wrote:

"Tokyo provides a wide range of healthcare services, with high-quality medical care available from both private and public facilities. Private facilities tend to offer the latest in medical technologies and treatments, while public facilities offer more affordable care for those without insurance or with budget limitations. In addition, there is a wide range of preventative and community health services available, including mental health services, elderly care, and health education. Tokyo also boasts a diverse range of traditional forms of healing and therapy, such as shiatsu, acupuncture, moxibustion, and herbal medicine," said one expat in Tokyo.

About the Author

Joshua Wood Joshua Wood, LPC joined Expat Exchange in 2000 and serves as one of its Co-Presidents. He is also one of the Founders of Digital Nomad Exchange. Prior to Expat Exchange, Joshua worked for NBC Cable (MSNBC and CNBC Primetime). Joshua has a BA from Syracuse and a Master's in Clinical and Counseling Psychology from Fairleigh Dickinson University. Mr. Wood is also a licensed counselor and psychotherapist.

Some of Joshua's articles include Pros and Cons of Living in Portugal, 10 Best Places to Live in Ireland and Pros and Cons of Living in Uruguay. Connect with Joshua on LinkedIn.

Daikanyama, Tokyo
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